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| Fresno | | Everyone has different needs, and | | Inspection: Independent checking on |
| Bayside | | not one size fits all when it comes to | | facts about an applicant, |
| Fairfax | | term life insurance. While it may make | | policyholder, or claimant, usually by a |
| Grand Junction | | sense for people in their 30s and 40s | | commercial inspection agency. |
| Toledo | | to secure a 20-year term length, a | | |
| Bloomington | | 10-year term might be more | | Fiduciary: A person holding the funds |
| Dayton | | appropriate for someone nearing | | or property of another in a position of |
| Plano | | retirement. | | trust. An example would be the |
| Memphis | | | | executor of an estate. |
| Virginia Beach | | People who are trying to quit | | |
| Hickory | | smoking, for example, might be best | | Tickler: A reminder system used to |
| Newark | | suited purchasing a shorter term (and | | call an individual's attention to actions |
| North Hollywood | | then replacing it with a longer term | | that must be taken at a future point in |
| Clearwater | | policy when they qualify for | | time. |
| Fort Myers | | non-tobacco prices). | | |
| Coral Springs | | | | Preferred Risk: Any risk considered |
| Zanesville | | Shopping around is the best way to | | to be better than the standard risk on |
| Independence | | save money on your insurance. | | which the premium rate was |
| Cleveland | | | | calculated. |
| Fullerton | | Individuals who have 30-year | | |
| Metairie | | mortgages might want to consider a | | Admitted (or Allowed) Assets: Assets |
| Joliet | | 30-year term to ensure that the house | | whose values are permitted by state |
| Naples | | is protected throughout the period of | | law to be included in the annual |
| Mesa | | the loan. | | statement of the insurer. |
